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Cash Advance in San Francisco, 94132

San Francisco is a world-famous city and is home to over 800,000 residents. It's also continuously growing like other cities in California.

However, not everyone always has enough money. When their car breaks or a family member needs immediate medical treatment, their income may not be enough.

Cash advance loans in San Francisco are a helpful alternative.

If you need a few extra dollars to meet a necessary payment, this guide details cash advance rules in San Francisco to help you prepare.

Services available

A cash advance loan gives you the money you need upfront in a short time and for every purpose

Payday loans

A payday loan is a type of short-term borrowing where a lender will extend high-interest credit based on your income. Its principal is typically a portion of your next paycheck.

Fast Cash Loans

With a cash advance loan, you can get the money in just a few hours. No more waiting for days or weeks for a loan approval!

Short-term loans

A short term loan is a type of loan that is obtained to support a temporary personal or business capital need.

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Cash Advance Loans Defined

Cash advances, or payday loans, are personal loans providing quick access to funds. Those who meet its eligibility criteria must repay the loan when they get their next paycheck.

Part of payday loans is the annual percentage rate (APR), which combines interest rates and fees into a singular percentage.

Note that payday loans typically have very high APRs despite California’s state regulations and limitations.

Before you start the process of taking out payday loans in San Francisco, note these details:

  • Maximum Loan Amount: $300
  • APR: 372%
  • Maximum Loan Term: 31 days
  • Rollovers/Renewals: None
  • Finance Rate/Fees:
    • 15% of the loan amount
    • $17.64 for every $100 borrowed
  • Cooling-off Period: None

NOTE: Late fees apply if you are unable to pay back the loan.

Requirements for San Francisco Cash Advance Loans

While getting a payday loan agreement may sound easy, San Francisco lenders follow certain eligibility criteria to determine whether you can qualify.

To get a San Francisco payday loan, check that you meet these criteria and submit the following documents to lenders:

  • 18 years old and above
  • Proof of income, such as pay stubs or bank statements
  • Active checking account
  • Bank account details
  • Contact details
  • Valid government-issued ID
  • Social Security number
  • Address

Choosing the Correct Loan Type for Your Needs

A San Francisco payday loan is only one of many loan types you may receive. California permits various loan types that are helpful for different purposes.

To pick the correct loan type, check whether these loans match your needs:

  • Title Loans: Title loans use a vehicle title as collateral to secure the loan, but the vehicle may be seized if the borrower fails to repay the principal.
  • Installment Loans: Installment loans require repaying a loan amount in equal portions over a term. These loans typically offer higher borrowing amounts and longer repayment periods.

Consider the following factors while choosing the right loan type:

  • Maximum loan amount
  • Loan repayment terms
  • APR
  • Whether it requires collateral or not
  • Whether it supports bad credit

How Third-Party Lenders Can Help With Cash Advance Loans

Finding an online lender in San Francisco, CA, may be time-consuming when you need immediate cash. However, we can connect you with third-party lenders providing secure and fast online payday loans.

These are the ways their services help you get an online payday loan:

  • Bad credit loan support
  • Data encryption
  • Get the loan by the same or next business day

Start the cash advance inquiry process by filling out our simple online inquiry form.

Does San Francisco Allow Bad Credit Cash Advance Loans?

San Francisco, CA, allows poor credit loans since lenders do not necessarily require prospective borrowers to undergo credit checks.

They may prioritize the borrower’s capacity to repay the loan over their credit score. This helps make cash advances more accessible than loans from traditional banks.

San Francisco Cash Advance Laws

San Francisco’s active military members and their dependents are protected from high APRs because of the Military Lending Act (MLA).

The MLA ensures that active military members requesting a payday loan only get an interest cap of 36%.

These are other regulations stated in the MLA:

  • No mandatory waivers of certain legal rights. 
  • No mandatory allotments. 
  • No prepayment penalty. 


When your income is insufficient to meet emergency expenses, getting San Francisco cash advance loans may be beneficial.

If you want a quick and secure payday loan online, complete our inquiry form today, and a lender will contact you after pre-approval.


This section breaks down common payday loan questions.

Where Can I Get Payday Loans?

The following institutions and lenders generally provide payday loans:
Credit unions
Online lenders
In-store lenders
Financial companies

How Do Payday Loans Differ From Other Types of Loans?

Payday loans are short-term loans with smaller borrowing amounts and higher interest rates. Other loan types may be long-term and provide larger amounts.

Who Does Payday Loans?

You can get payday loans through licensed online or in-person lenders, credit unions, and financial institutions.


303 Randolph St a, San Francisco, CA, 94132

Open hours

Mon – Fri:

9am – 7pm


10am – 4pm



Phone Number

(415) 985-0486

Get the funds you need

When you need money urgently, you can visit one of our Florida location offices near your home. Primo Personal Loans in Florida are here to serve you!

Other Locations

Cash Advance in San Jose, CA

1656 Tully Rd #2, San Jose, CA 95122

Cash Advance in Sacramento, CA

1301 21st Street Suite F, Sacramento, CA 95811

Cash Advance in Los Angeles, CA

3661 Wilshire Blvd Ste 8, Los Angeles, CA 90010
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